I've moved house a couple of times, so I didn't manage to get around to sending any SAR requests. I had considered that as my next port of call if I didn't get a response to my two letters. Is that worth doing alongside the current request for the agreement and certified copy of the default? My biggest concern is getting the default removed; I'm annoyed that they can do that when they couldn't respond in writing.

Hi all, Hoping that someone can help me.. I've previously posted before! I have a default with Vanquis which I am now paying off via Lowells (they sent me the DOA). However, I dispute the placing of the default as they (Vanquis) haven't wrote to me to confirm that's what they were doing. There was a verbal agreement from Vanquis to accept a full and final offer but they would not put anything in writing to confirm that it was full and final. Therefore, I wouldn't pay up - I think I offered around £1400 for a £1900 balance. Next thing, a default appears. There is also a note to say there was an agreement to pay but the sneaky b'stds wouldn't put it in writing!! I wrote to Vanquis in November and used the template from the Learn Money website (can't post links!) including a £1 postal order and received no response. So, I've wrote to them again with the same letter reminding them they've not responded to me and included another £1 payment just to cover it. Is this the right way to go to try and attempt to get it removed? Or are my chances slim to naff all, so not worth pursuing? Thanks

Hi Just to give an update on this, I sent two letters affirming my offer and I had a couple of texts from Vanquis saying they would like to offer me a settlement figure. I text them back stating any offers of a settlement figure should be put in writing as per my documentation. Heard nothing until Moorcroft reared their heads claiming all sorts. I've also had a statement from Vanquis. I'm not entirely sure who has the debt - should I CCA both and see what I get back? I've also seen on another forum about sending 3 letters to DCA's referring to them as interlopers with no right to contact me about my business with Vanquis. Best route to take would be much appreciated

I have now sent two letters confirming my F&F offer to no avail. Has anyone ever had a written response from these cretins despite their claims they have "no-one" avaliable to type letters to people?

This is the letter I have drafted.. any advice or tweaks would be appreciated :) I write in reference to the above account. I sent aletter via special delivery which was received by Vanquis on xx. Within this letter, I confirmed that I could raise£xx in respect of the account and would offer this as an ex-gratia payment infull and final settlement on the account. It was offered on the understandingthat, if accepted, neither you nor any associated company would pursue the debtin any way and that I would be released of liability. I also requested that any entries made on creditreference agency files relating to the account would be marked as satisfied infull. I requested that any response from Vanquis was madein writing which I feel is not an unreasonable request as a customer. I was informed on Wednesday 12thDecember 2012 that Vanquis do not respond to individual requests and thatdespite my offer of £xx being accepted verbally, bizarrely they could notfollow this up in writing before payment was made. I have taken advice from various bodies includingthe Office of Fair Trading, the Financial Ombudsman and Citizens Advice whohave advised me in no uncertain terms not to make payment until I have receivedwritten agreement from Vanquis accepting my full and final offer. To date, I have received no acknowledgement orresponse to my offer, so therefore I would like to make a Subject AccessRequest in order to ensure that the original offer is a fair and justifiedoffer. I enclose a payment of £10 in order to request alldata that you hold about me. This includes, but is not limited to, thefollowing: 1. The original signed,executed credit agreement and any terms and conditions that applied to theaccount at the time of default and at the time the account was opened. 2. Transcriptions of alltelephone conversations recorded and any notes made in relation to telephoneconversations by your company, or by any previous creditors. 3. Where there has been anyevent in my account history over this period which has required manualintervention by any person, I require disclosure of any indication or noteswhich have either caused or resulted in that manual intervention, or otherevidence of that manual intervention in relation to my account formerly heldwith ORIGINAL CREDITOR. 4. True copies of any noticeof assignment and/or default notice or enforcement notice that you or theoriginal creditor sent me, with a copy of any proof of postage that you hold. 5. Documents relating to anyinsurance added to the account, including the insurance contract and terms andconditions, date it was added and deleted (if applicable). 6. Details of any collectioncharges added to the account; specifically, the date it was levied, the amountof the charge, a detailed financial Breakdown of how the charge was calculated, and whatthe charge covers. 7. Specific details of thefees/charges levied by any other agency in respect of this account and adetailed breakdown of said fees/charges and what each charge relates to and onwhat date said fees/charges were levied. 8. A genuine copy of anynotice of fair use of my data as required by the Data Protection Act 1998 9. A list of third partyagencies to whom you have disclosed my personaldata and a summary of the nature of the informationyou have disclosed. 10. Copies of statements for the entire duration ofthe credit agreement. Ienclose the statutory maximum fee of £10. You have 40 days in which to comply. Ifthere is specific information which you require in order to satisfy yourself asto my identity, please let me know by return. However, please note that theabove address is the one which you normally use to communicate my privatebusiness to me and which you have hitherto found to be acceptable. Duringthis time, I will make token payments towards my Vanquis account until anamicable agreement between both parties is made and confirmed in writing. Inaddition, I have registered with Step Change formerly known as the Consumer CreditCounselling Service. My reference numberis xx and I am taking advice from them on the management of thisdebt. Tore-iterate, I request that any further correspondence with regards this accountto be in writing only and do not wish to be contacted either via telephone ortext message. Any attempts at contact via telephone will be reported to OFCOM,Trading Standards and the Office of Fair Trading. Ilook forward to hearing from you soon.

Are they obliged to respond in writing if I have made my requests in a similar fashion?

Hi, I wrote to Vanquis last week offering them a settlement figure. I asked them to respond in writing to confirm if or not they accept the payment and that if accepted, the money could be with them within 7 days. They have persisted on sending me texts to say that a missing payment is due. I contacted them to say that I would not be making a payment until the original offer had been accepted or not in writing. They said that they do not respond in writing as they do not have a draft letter for such requests. They have verbally accepted my offer and I am supposed to be ringing back later today. I intend to record the call myself in case they eventuall dispute what they have agreed. I know I've not done the right thing but I felt pressured into agreeing to paying. Would I better off not calling and keep on sending letters until I have something to confirm the acceptance? They've said that they will keep adding interest and charges to the account which will likely decrease my chances of my original offer being accepted as a F&F figure. I have registed with Step Plan and I have an appointment to speak to a debt advisor next week. I just want this out of the way as it's making me ill. Any steps on how to proceed would be appreciated.

I have been looking on these forums and have seen mention of requesting a CCA agreement. Would this be advised as a good first step before making the offer?

Hi, I have a credit card with Vanquis with a credit limit of £1750. It's currently at around £1900 due to interest and charges. I fell into financial difficulties about 12 months ago between jobs and since have found it difficult to make any sort of impact on clearing the balance (despite paying around £100-£200 per month). A family member has offered to loan me money to make a final settlement offer to Vanquis of £1400. I have spoken to Vanquis who seem to take what I say and twist it into something else. However, I should be in a position by the end of the week to make the payment. Is there anything that I should request before or after the payment? I am concerned that they will accept the £1400 as a settlement but continue to chase me for more money once this has been paid. I have already decided that they will be paid from an account that is currently empty so that if they try and take more than they should, they'll have a hard time in doing so. They have caused so much stress over the last 18 months that I just want to give them the money and to leave me alone!! Any advice would be much appreciated.